Tokenizing a primary account number prior to transmission to a terminal

ABSTRACT

In some implementations, a transaction card may receive transaction data from a transaction terminal based on initiation of a transaction with the transaction terminal; generate a tokenized primary account number, for use with the transaction, based on the transaction data and an actual primary account number of the transaction card; and transmit the tokenized primary account number to the transaction terminal for processing the transaction.

RELATED APPLICATIONS

This application is a continuation of U.S. patent application Ser. No.16/824,935, filed Mar. 20, 2020 (now U.S. Pat. No. 10,997,591), which isa continuation of U.S. patent application Ser. No. 16/601,932, filedOct. 15, 2019 (now U.S. Pat. No. 10,600,051), which is a continuation ofU.S. patent application Ser. No. 16/376,562, filed Apr. 5, 2019 (nowU.S. Pat. No. 10,496,984), which is a continuation of U.S. patentapplication Ser. No. 16/162,094, filed Oct. 16, 2018 (now U.S. Pat. No.10,296,901), which are incorporated herein by reference in theirentireties.

BACKGROUND

Tokenization, when applied to data security, may refer to the process ofsubstituting a sensitive data element with a non-sensitive equivalent,referred to as a token, that has no extrinsic or exploitable meaning orvalue. The token acts as a reference that maps back to the sensitivedata through a tokenization system. The mapping from original data to atoken uses methods which render tokens infeasible to reverse in theabsence of the tokenization system, such as by using tokens created fromrandom numbers.

SUMMARY

According to some possible implementations, a transaction card mayinclude memory and one or more processors communicatively coupled to thememory. The one or more processors may be configured to receive amerchant code from a transaction terminal based on initiation of atransaction with the transaction terminal; generate a tokenized primaryaccount number, for use with the transaction, based on the merchant codeand an actual primary account number of the transaction card; andtransmit the tokenized primary account number and one or more paymentcredentials to the transaction terminal for performing the transaction.

According to some possible implementations, a method, performed by atransaction card, may include receiving transaction data from atransaction terminal based on initiation of a transaction with thetransaction terminal; generating a tokenized primary account number, foruse with the transaction, based on the transaction data and an actualprimary account number of the transaction card; and transmitting thetokenized primary account number to the transaction terminal forprocessing the transaction.

According to some possible implementations, a transaction processingsystem may include one or more memories and one or more processorscommunicatively coupled to the one or more memories. The one or moreprocessors may be configured to receive, from a transaction terminal, atokenized primary account number generated by a transaction card, one ormore payment credentials associated with the transaction card, amerchant code, and transaction data associated with a transaction;determine an actual primary account number of the transaction card basedon the tokenized primary account number and the merchant code; determinewhether the transaction is authorized based on the actual primaryaccount number and the one or more payment credentials; and transmit, tothe transaction terminal, a result of determining whether thetransaction is authorized.

BRIEF DESCRIPTION OF THE DRAWINGS

FIG. 1 is a diagram of an example implementation described herein.

FIG. 2 is a diagram of an example environment in which systems and/ormethods, described herein, may be implemented.

FIG. 3 is a diagram of example components of one or more devices of FIG.2.

FIGS. 4-6 are flow charts of example processes relating to tokenizing aprimary account number prior to transmission to a terminal.

DETAILED DESCRIPTION

The following detailed description of example implementations refers tothe accompanying drawings. The same reference numbers in differentdrawings may identify the same or similar elements.

A primary account number (PAN) may refer to an identifier (e.g., a 14 to16 digit numerical code, number, or sequence of characters) thatidentifies a transaction card account (e.g., a credit card account, adebit card account, and/or the like) of an account holder. In somecases, the first six digits of the PAN may identify a transaction cardnetwork and/or a transaction card issuer, the next set of unique digitsmay identify the account holder's account, and the last digit may beused for additional fraud security. The PAN may uniquely identify anaccount of a transaction cardholder. If a PAN is obtained by a malicioususer, the PAN may be used to commit transaction card fraud (e.g., bycharging transaction to the cardholder's account without knowledge byand/or authorization of the cardholder).

To reduce transaction card fraud, the PAN may be tokenized to obfuscatethe actual PAN of a transaction card by replacing the actual PAN with analgorithmically generated tokenized PAN (e.g., a token). The tokenizedPAN may be used in association with the transaction to prevent amalicious user from obtaining the actual PAN. For example, the actualPAN may be tokenized for storage in a database (e.g., a merchantdatabase, a card issuer database, a data vault, a token vault, and/orthe like). As a particular example, when a transaction card is used at atransaction terminal (e.g., by swiping the card, inserting the card,and/or the like), the transaction terminal may transmit the actual PANto a card tokenization system, which may tokenize the actual PAN togenerate a tokenized PAN, and may store the tokenized PAN and/ortransmit the tokenized PAN back to the transaction terminal. However, inthis scenario, the transaction terminal still obtains the actual PAN atthe beginning of the transaction. As a result, a malicious user mayobtain the actual PAN from the transaction terminal (e.g., using malwareand/or malicious software on the transaction terminal, and/or the like),and may commit transaction card fraud using the actual PAN.

Some techniques and apparatuses described herein permit an actual PAN ofa transaction card to be tokenized by the transaction card. Thetransaction card may then transmit a tokenized PAN, rather than theactual PAN, to a transaction terminal. Thus, the transaction terminalmay never receive the actual PAN, thereby improving security andreducing the likelihood of transaction card fraud. For example, amalicious user may only be able to obtain tokenized PANs, and not actualPANs, from a transaction terminal. Additional details are describedbelow.

FIG. 1 is a diagram of an example implementation 100 described herein.As shown in FIG. 1, a transaction may be initiated by establishingcommunication and/or communicating information between a transactioncard and a transaction terminal. For example, as shown, the transactioncard may be inserted into the transaction terminal. Alternatively, thetransaction card may be swiped at the transaction terminal, may bebrought into communicative proximity of the transaction terminal (e.g.,using near-field communication (NFC) and/or the like), and/or the like.Additional details regarding the transaction card and the transactionterminal are described below in connection with FIG. 2.

As shown by reference number 105, the transaction terminal may transmita merchant code and/or transaction data to the transaction card (e.g.,after the transaction has been initiated). The transaction data mayinclude, for example, the merchant code, a transaction amount, atransaction date, a transaction time, a transaction location, and/or thelike. The merchant code may identify a merchant associated with thetransaction (e.g., a seller, a retailer, a company, a business, anorganization, and/or the like).

As shown by reference number 110, the transaction card may generate atokenized PAN using an actual PAN of the transaction card andtransaction data. For example, in some implementations, the transactioncard may generate the tokenized PAN using the actual PAN and themerchant code. In some implementations, the transaction card maygenerate the tokenized PAN using the actual PAN and transaction dataother than the merchant code. In some implementations, the transactioncard may generate the tokenized PAN using the actual PAN, the merchantcode, and additional transaction data (e.g., a transaction amount, atransaction date, a transaction time, a transaction location, and/or thelike). The actual PAN may be a unique identifier that uniquelyidentifies an account associated with the transaction card (e.g., acardholder account and/or the like). In some implementations, the actualPAN may be a 14 digit number, a 15 digit number, a 16 digit number,and/or the like.

In some implementations, the tokenized PAN may be generated to have thesame format as the actual PAN (e.g., using a same number of digits). Insome implementations, the tokenized PAN may be generated to have adifferent format than the actual PAN, and may include numbers, letters,symbols, and/or the like. In some implementations, the tokenized PAN maytokenize the entire actual PAN (e.g., all digits of the actual PAN). Insome implementations, the tokenized PAN may be generated to tokenize aportion of the actual PAN (e.g., a subset of digits of the actual PAN).Tokenization may use one or more tokenization algorithms and/ortokenization techniques, which may use random number generation,pseudo-random number generation, and/or the like, to generate atokenized PAN from which the actual PAN cannot be reverse engineeredwithout prior knowledge of the tokenization algorithm and/or techniqueand the parameters used as input to such tokenization algorithm and/ortechnique.

Additionally, or alternatively, the transaction card may generate thetokenized PAN using one or more payment credentials. A paymentcredential may include, for example, an expiration date associated withthe transaction card (e.g., a month and/or year of expiration, and/orthe like), a card security code associated with the transaction card(e.g., a card verification value (CVV), a CVV2, a card verification code(CVC), CVC2, a card identifier (CID), and/or the like), a cardholdername associated with the transaction card, a billing postal codeassociated with the transaction card (e.g., a ZIP code and/or the like),one or more fields of a billing address associated with the transactioncard (e.g., a physical address, a post office box, a street number, astreet name, a city, a state, a geographic region, and/or the like), apersonal identification number (PIN) associated with the transactioncard, and/or the like.

In some implementations, the transaction card (e.g., a combination ofhardware included in the transaction card and software executing on thetransaction card) may perform tokenization (e.g., a tokenizationprocess, a tokenization algorithm, and/or the like) to generate thetokenized PAN. For example, the transaction card (e.g., one or moreprocessors included in the transaction card) may receive the actual PAN(e.g., from secure storage included in the transaction card) and one ormore parameters to be used as input for tokenization. The one or moreparameters may include one or more payment credentials (as describedabove), information included in transaction data received from thetransaction terminal (as described above), a random seed (e.g., randomlyselected from a set of possible seeds), and/or the like. The transactioncard may perform tokenization to modify some or all digits (and/orcharacters) of the actual PAN in a particular manner, depending on theone or more parameters, to generate the digits and/or characters of thetokenized PAN.

In some implementations, the transaction card may use a differentparameter and/or combination of parameters to perform tokenization basedon one or more tokenization factors, such as a time of the transaction,a day of the week on which the transaction is performed, a date of thetransaction, a merchant associated with the transaction, a cardholderassociated with the transaction, a terminal identifier of thetransaction terminal, and/or the like. In some implementations, the oneor more tokenization factors may be communicated to the transactionterminal and/or the transaction processing system, so that thetransaction processing system can detokenize the tokenized PAN to obtainthe actual PAN. In this way, security may be further improved.

In some implementations, the tokenized PAN may be a single-use tokenizedPAN. In this case, and as described in more detail below, a transactionprocessing system may decline the transaction if the tokenized PAN hasbeen previously used (has ever been used), and/or if the tokenized PANhas been previously used within a threshold time period (e.g., one hour,one week, one month, one year, two years, and/or the like). In thiscase, the transaction card may generate the tokenized PAN usinginformation that may differ across different transactions (e.g., for thesame merchant and same transaction card). For example, the transactioncard may generate the tokenized PAN using a transaction amount, atransaction date, a transaction time, a transaction location, and/or thelike. Additionally, or alternatively, in this case, the transaction cardmay generate the tokenized PAN using information that does not differacross different transactions (e.g., for the same merchant and sametransaction card), such as one or more payment credentials, a merchantcode, and/or the like.

In some implementations, the tokenized PAN may be a multi-use tokenizedPAN that may be used multiple times in connection with the samemerchant. In this case, and as described in more detail below, atransaction processing system may decline the transaction if thetokenized PAN has been previously used for a transaction with adifferent merchant (e.g., associated with a different transaction code).In this case, the transaction card may generate the tokenized PAN usingonly information that does not differ across different transactions(e.g., for the same merchant and same transaction card). For example,the transaction card may generate the tokenized PAN using informationother than a transaction amount, a transaction date, a transaction time,a transaction location, and/or the like. For example, the transactioncard may generate the tokenized PAN using one or more paymentcredentials, a merchant code, and/or the like, which do not differacross different transactions associated with the same merchant and sametransaction card.

In some implementations, the transaction card may generate multipletokenized PANs, and may transmit the multiple tokenized PANs to thetransaction terminal for processing the transaction (as described inmore detail below). In some implementations, the transaction card mayuse different sets of parameters to generate different tokenized PANs,of the multiple tokenized PANs, from the actual PAN. For example, thetransaction card may generate both a single-use tokenized PAN (asdescribed above) and a multi-use tokenized PAN (e.g., for multiple useswith a specific merchant, as described above) based on the actual PAN.In this case, a first tokenized PAN (e.g., a single-use tokenized PAN)may be generated using a first set of parameters (e.g., one or morefirst parameters), and a second tokenized PAN (e.g., a multi-usetokenized PAN) may be generated using a second set of parameters (e.g.,one or more second parameters). In some implementations, the first setof parameters may change across transactions, and the second set ofparameters may not change across transactions (e.g., with the samemerchant). Additionally, or alternatively, the transaction card maycombine the first tokenized PAN and the second tokenized PAN to generatea combined tokenized PAN, which may be transmitted to the transactionterminal for processing the transaction. In this way, security may befurther improved.

As shown by reference number 115, the transaction card may transmit thetokenized PAN to the transaction terminal. Additionally, oralternatively, the transaction card may transmit one or more paymentcredentials to the transaction terminal (e.g., one or more paymentcredentials described above). For example, the transaction card maytransmit the tokenized PAN and payment credential(s) to the transactionterminal after a user has interacted with the transaction terminal toapprove the transaction (e.g., to approve the transaction amount, submita signature, and/or the like).

As shown by reference number 120, the transaction terminal may transmitthe tokenized PAN, the payment credential(s), and/or the transactiondata (e.g., including the merchant code) to a transaction processingsystem. The transaction processing system may process, authorize, and/orauthenticate the transaction using the tokenized PAN and otherinformation received from the transaction terminal. In this way, thetransaction terminal never has access to the actual PAN. Additionaldetails regarding the transaction processing system are described belowin connection with FIG. 2.

As shown by reference number 125, the transaction processing system mayderive the actual PAN from the tokenized PAN and one or more parametersreceived from the transaction terminal. The one or more parameters mayinclude, for example, transaction data (e.g., a merchant code, atransaction amount, a transaction date, a transaction time, atransaction location, and/or the like), one or more payment credentials,and/or the like.

In some implementations, the transaction processing system (e.g., acombination of hardware included in the transaction card and softwareexecuting on the transaction card) may perform detokenization (e.g., adetokenization process, a detokenization algorithm, and/or the like) todetermine the actual PAN from the tokenized PAN. For example, thetransaction processing system (e.g., one or more processors included inthe transaction processing system) may receive the tokenized PAN and oneor more parameters to be used as input for detokenization. The one ormore parameters may include one or more payment credentials (asdescribed above), information included in transaction data received fromthe transaction terminal (as described above), a random seed (e.g.,randomly selected from a set of possible seeds), and/or the like. Thetransaction processing system may perform detokenization to modify someor all digits and/or characters of the tokenized PAN in a particularmanner, depending on the one or more parameters, to generate the digits(and/or characters) of the actual PAN.

As shown by reference number 130, the transaction processing system maydetermine whether to authorize the transaction based on the actual PAN,the tokenized PAN, and/or one or more payment credentials. For example,the transaction processing system may verify the actual PAN and the oneor more payment credentials to determine whether to authorize thetransaction. In some implementations, the transaction processing systemmay perform one or more techniques to check for transaction card fraudusing the actual PAN, the one or more payment credentials, and/or thetransaction data.

Additionally, or alternatively, as shown by reference number 135, thetransaction processing system may determine whether to authorize thetransaction based on the tokenized PAN. For example, the transactionprocessing system may compare the tokenized PAN to a list of tokenizedPANs stored in memory (e.g., a data structure, a database, and/or thelike). The list of tokenized PANs may include a list of tokenized PANsthat have previously been used for a transaction. For example, when thetransaction processing system receives a tokenized PAN, the transactionprocessing system may store the tokenized PAN in memory. In someimplementations, the transaction processing system may store thetokenized PAN in memory in association with a merchant code associatedwith a transaction for which the tokenized PAN is used. In someimplementations, where the transaction processing system receivesmultiple tokenized PANs, the transaction processing system may compareall of the tokenized PANs to the list of PANs stored in memory. If allof the tokenized PANS are successfully authenticated (e.g., as describedherein), then the transaction processing system may approve thetransaction. However, if one of the tokenized PANs fails authentication,then the transaction processing system may decline the transaction.

In some implementations, a tokenized PAN may be a single-use tokenizedPAN. In this case, the transaction processing system may receive thetokenized PAN from the transaction terminal, and may perform a lookup todetermine whether the tokenized PAN is stored in the list. If thetokenized PAN is stored in the list, indicating that the tokenized PANhas already been used for a transaction, then the transaction processingsystem may decline the transaction. Additionally, or alternatively, thetransaction processing system may transmit a notification that thetokenized PAN has already been used (e.g., to a merchant device, amerchant email address, a cardholder device, a cardholder email address,and/or the like) to provide an alert of potential transaction cardfraud. If the tokenized PAN is not stored in the list, then thetransaction processing system may approve the transaction, and may storethe tokenized PAN in the list.

In some implementations, a single-use tokenized PAN may be single-usefor a threshold time period, so that tokenized PANs may eventually bere-used. In this case, the transaction processing system may determinewhether the tokenized PAN has been previously used within a thresholdtime period (e.g., one hour, one week, one month, six months, one year,and/or the like). In this case, when the transaction processing systemreceives a tokenized PAN from the transaction terminal, the transactionprocessing system may store information that identifies when thetokenized PAN was used (e.g., a time at which the tokenized PAN wastransmitted, received, and/or stored, a transaction time indicated intransaction data, and/or the like). Additionally, or alternatively, thetransaction processing system may delete tokenized PANs from the listafter the threshold time period has elapsed (so that if the tokenizedPAN is reused after the threshold time period, a matching tokenized PANwill not be stored in the list, and the transaction will be approved).

In some implementations, a tokenized PAN may be a multi-use tokenizedPAN permitted to be used multiple times across different transactionswith the same merchant. In this case, the transaction processing systemmay receive the tokenized PAN and a first merchant code from thetransaction terminal, and may perform a lookup to determine whether thetokenized PAN is stored in the list in association with a second (e.g.,different) merchant code. If the tokenized PAN is stored in the list inassociation with the second merchant code, indicating that the tokenizedPAN has previously been used for a transaction with a differentmerchant, then the transaction processing system may decline thetransaction. Additionally, or alternatively, the transaction processingsystem may transmit a notification that the tokenized PAN has previouslybeen used for a transaction with a different merchant (e.g., to a firstmerchant device, a first merchant email address, a second merchantdevice, a second merchant email address, a cardholder device, acardholder email address, and/or the like) to provide an alert ofpotential transaction card fraud. If the tokenized PAN is not stored inthe list in associated with a second merchant code (e.g., is not storedin the list, or is stored in the list in association with the firstmerchant code), then the transaction processing system may approve thetransaction, and may store the tokenized PAN in the list in associationwith the first merchant code (e.g., if the tokenized PAN is not alreadystored in the list in association with the first merchant code).

In some implementations, if the transaction is denied, the transactionprocessing system may determine a location of the transaction card, andmay provide information that identifies the location to a user device(e.g., a smart phone, a tablet, and/or the like) of a cardholder, to auser device associated with an authority (e.g., a police officer, apolice station, and/or the like), and/or the like. In someimplementations, the location may be provided via a text message, anemail, a phone call, and/or the like. Additionally, or alternatively,the transaction processing system may instruct the transaction card tobroadcast the location. Additionally, or alternatively, the transactionprocessing system may flag the actual PAN and/or the tokenized PAN(e.g., by storing an indication in memory) for future transactions.

As shown by reference number 140, the transaction processing system maytransmit an authorization result to the transaction terminal. Theauthorization result may be a result of determining whether to authorizethe transaction, and may be an indication to approve the transaction oran indication to decline the transaction, as described above. Based onthe authorization result, the transaction terminal may output anindication of whether the transaction is approved or declined, and maycomplete the transaction if the transaction is approved. In someimplementations, the transaction processing system may determine whetherto approve or deny the transaction solely based on the tokenized PAN.Additionally, or alternatively, the transaction processing system maydetermine whether to approve or deny the transaction based on thetokenized PAN in combination with one or more other factors and/or datapoints that are used by a fraud detection model of a card issuer (e.g.,and applied by the transaction processing system).

When the transaction card performs tokenization of an actual PAN of thetransaction card and transmits a tokenized PAN to a transactionterminal, the transaction terminal may never receive the actual PAN,thereby improving security and reducing the likelihood of transactioncard fraud. For example, a malicious user may only be able to obtaintokenized PANs, and not actual PANs, from the transaction terminal.Furthermore, security may be further improved by placing restrictions ontokenized PANs, such as in the case of a single-use PAN or a multi-usePAN restricted to a single merchant, as described above. In these cases,if a tokenized PAN is compromised (e.g., discovered and/or used by amalicious user), the transaction processing system may decline thetransaction, and may provide an alert regarding the compromisedtokenized PAN. For example, if a tokenized PAN is used in associationwith a first merchant, and is later used at a second merchant, thetransaction processing system may provide an alert indicating that thefirst merchant has been compromised.

As indicated above, FIG. 1 is provided as an example. Other examples arepossible and may differ from what was described with regard to FIG. 1.

FIG. 2 is a diagram of an example environment 200 in which systemsand/or methods, described herein, may be implemented. As shown in FIG.2, environment 200 may include a transaction card 210, a transactionterminal 220, a network 230, and a transaction processing system 240. Inenvironment 200, transaction card 210 may communicate data associatedwith or relating to a transaction with transaction terminal 220, whichfacilitates processing the transaction through communication withtransaction processing system 240 via network 230. Devices ofenvironment 200 may interconnect via wired connections, wirelessconnections, or a combination of wired and wireless connections.

Transaction card 210 includes a transaction card with one or morehardware components and/or one or more hardware and software components(e.g., as described in more detail below in connection with FIG. 3).Transaction card 210 is capable of storing and/or communicating data fora point of sale (PoS) transaction with transaction terminal 220. Forexample, transaction card 210 may store or communicate data includingaccount information (e.g., an account identifier, a cardholderidentifier, an actual PAN, and/or the like), expiration information oftransaction card 210, banking information, transaction information(e.g., a payment token), and/or the like. For example, to store orcommunicate the data, transaction card 210 may include a magnetic stripand/or an integrated circuit (IC) chip (e.g., a EUROPAY®, MASTERCARD®,VISA® (EMV) chip, or the like). In some implementations, transactioncard 210 may include software (e.g., an application, an applet, and/orthe like), executing on hardware, to perform one or more processesdescribed herein.

In some implementations, transaction card 210 may include an antenna tocommunicate data associated with transaction card 210. The antenna maybe a passive radio frequency (RF) antenna, an active RF antenna, aboosted RF antenna, a battery-assisted RF antenna, and/or the like. Insome implementations, transaction card 210 may be a smart transactioncard, capable of communicating wirelessly (e.g., via Bluetooth,Bluetooth Low Energy (BLE), near-field communication (NFC), and/or thelike) with a computing device, such as transaction terminal 220, adigital wallet, and/or another device. In some implementations,transaction card 210 may communicate with transaction terminal 220 tocomplete a transaction (e.g., based on being moved within communicativeproximity of transaction terminal 220). In some implementations,transaction card 210 may store sensitive data, such as an actual PAN ofthe transaction card 210 and/or one or more payment credential, in asecure storage component (e.g., a secure element and/or the like) oftransaction card 210.

Transaction terminal 220 includes one or more devices capable ofreceiving, generating, storing, processing, and/or providing informationassociated with facilitating a transaction (such as a PoS transaction).For example, transaction terminal 220 may include a communication deviceand/or computing device capable of receiving data from transaction card210 and/or processing a transaction based on the data. In someimplementations, transaction terminal 220 may include a desktopcomputer, a laptop computer, a tablet computer, a handheld computer,and/or a mobile phone (e.g., a smart phone, a radiotelephone, etc.).Transaction terminal 220 may be owned and/or operated by one or moreindividuals or businesses engaged in a sale of goods or services (e.g.,one or more merchants, vendors, service providers, and/or the like).

Transaction terminal 220 may include one or more devices to facilitateprocessing a transaction via transaction card 210. Transaction terminal220 may include a PoS terminal, a security access terminal, an automaticteller machine (ATM) terminal, and/or the like. Transaction terminal 220may include one or more input devices and/or output devices tofacilitate obtaining transaction card data from transaction card 210and/or interaction or authorization from a cardholder of transactioncard 210. Example input devices of transaction terminal 220 may includea number keypad, a touchscreen, a magnetic strip reader, a chip reader,and/or an RF signal reader. A magnetic strip reader of transactionterminal 220 may receive transaction card data as a magnetic strip oftransaction card 210 is swiped along the magnetic strip reader. A chipreader of transaction terminal 220 may receive transaction card datafrom an IC chip (e.g., an EMV chip) of transaction card 210 when thechip is placed in contact with the chip reader. An RF signal reader oftransaction terminal 220 may enable contactless transactions fromtransaction card 210 by obtaining transaction card data wirelessly fromtransaction card 210 as transaction card 210 comes within a range oftransaction terminal 220 that the RF signal reader may detect an RFsignal from an RF antenna of transaction card 210. Example outputdevices of transaction terminal 220 may include a display device, aspeaker, a printer, and/or the like.

Network 230 includes one or more wired and/or wireless networks. Forexample, network 230 may include a cellular network (e.g., a long-termevolution (LTE) network, a code division multiple access (CDMA) network,a 3G network, a 4G network, a 5G network, another type of nextgeneration network, and/or the like), a public land mobile network(PLMN), a local area network (LAN), a wide area network (WAN), ametropolitan area network (MAN), a telephone network (e.g., the PublicSwitched Telephone Network (PSTN)), a private network, an ad hocnetwork, an intranet, the Internet, a fiber optic-based network, a cloudcomputing network, and/or the like, and/or a combination of these orother types of networks.

Transaction processing system 240 includes one or more devices capableof authorizing and/or facilitating a transaction. For example,transaction processing system 240 may include one or more servers and/orcomputers to store and/or provide information (e.g., authorizations,balances, payment tokens, security information, account information,and/or the like) associated with processing a transaction viatransaction terminal 220.

Transaction processing system 240 may include one or more devicesassociated with banks and/or transaction card associations thatauthorize the transaction and/or facilitate a transfer of funds orpayments between an account of a cardholder of transaction card 210 andan account of an individual or business of transaction terminal 220. Forexample, transaction processing system 240 may include one or moredevices of one or more issuing banks associated with a cardholder oftransaction card 210, one or more devices of one or more acquiring banks(or merchant banks) associated with transaction terminal 220, and/or oneor more devices associated with one or more card associations (e.g.,VISA®, MASTERCARD®, and/or the like) associated with transaction card210. Accordingly, in response to receiving transaction card dataassociated with transaction card 210 from transaction terminal 220,various banking institutions and/or card associations of transactionprocessing system 240 may communicate to authorize the transactionand/or transfer funds between the accounts associated with transactioncard 210 and/or transaction terminal 220.

Transaction processing system 240 may include one or more devicesassociated with security that may provide or deny authorizationassociated with the transaction. For example, transaction processingsystem 240 may store and/or provide security access information that mayor may not allow access through an access point (e.g., a gate, a door,and/or the like) of a secure location (e.g., a room, a building, angeographical area, a transportation terminal, and/or the like) based oninformation (e.g., account information, a key, an identifier,credentials, and/or the like) associated with transaction card 210and/or provided by transaction terminal 220.

Transaction processing system 240 may include one or more devicesassociated with a rewards program with transaction card 210 and/or anentity (e.g., a bank, a merchant, a service provider, a vendor, and/orthe like) associated with the transaction card 210 and/or transactionterminal 220 and/or an entity associated with transaction terminal 220.For example, transaction processing system 240 may authorize the earningand/or redemption of rewards (e.g., rewards points associated withtransaction card 210, cash rewards, client loyalty rewards associatedwith an entity associated with transaction terminal 220, and/or thelike) based on a transaction processed by transaction terminal 220 withtransaction card 210.

The number and arrangement of devices and networks shown in FIG. 2 areprovided as an example. In practice, there may be additional devicesand/or networks, fewer devices and/or networks, different devices and/ornetworks, or differently arranged devices and/or networks than thoseshown in FIG. 2. Furthermore, two or more devices shown in FIG. 2 may beimplemented within a single device, or a single device shown in FIG. 2may be implemented as multiple, distributed devices. Additionally, oralternatively, a set of devices (e.g., one or more devices) ofenvironment 200 may perform one or more functions described as beingperformed by another set of devices of environment 200.

FIG. 3 is a diagram of example components of a device 300. Device 300may correspond to transaction card 210, transaction terminal 220, and/ortransaction processing system 240. In some implementations, transactioncard 210, transaction terminal 220, and/or transaction processing system240 may include one or more devices 300 and/or one or more components ofdevice 300. As shown in FIG. 3, device 300 may include a bus 310, aprocessor 320, a memory 330, a storage component 340, an input component350, an output component 360, and a communication interface 370.

Bus 310 includes a component that permits communication among thecomponents of device 300. Processor 320 is implemented in hardware,firmware, or a combination of hardware and software. Processor 320 is acentral processing unit (CPU), a graphics processing unit (GPU), anaccelerated processing unit (APU), a microprocessor, a microcontroller,a digital signal processor (DSP), a field-programmable gate array(FPGA), an application-specific integrated circuit (ASIC), or anothertype of processing component. In some implementations, processor 320includes one or more processors capable of being programmed to perform afunction. Memory 330 includes a random access memory (RAM), a read onlymemory (ROM), a secure element, and/or another type of dynamic or staticstorage device (e.g., a magnetic memory, an optical memory, and/or thelike) that stores information and/or instructions for use by processor320.

Storage component 340 stores information and/or software related to theoperation and use of device 300. For example, storage component 340 mayinclude a hard disk (e.g., a magnetic disk, an optical disk, amagneto-optic disk, and/or a solid state disk), a compact disc (CD), adigital versatile disc (DVD), a floppy disk, a cartridge, a magnetictape, a flash memory, and/or another type of non-transitorycomputer-readable medium, along with a corresponding drive.

Input component 350 includes a component that permits device 300 toreceive information, such as via user input (e.g., a touch screendisplay, a keyboard, a keypad, a mouse, a button, a switch, and/or amicrophone). Additionally, or alternatively, input component 350 mayinclude a sensor for sensing information (e.g., a global positioningsystem (GPS) component, an accelerometer, a gyroscope, and/or anactuator). Output component 360 includes a component that providesoutput information from device 300 (e.g., a display, a speaker, and/orone or more light-emitting diodes (LEDs)).

Communication interface 370 includes a transceiver-like component (e.g.,a transceiver and/or a separate receiver and transmitter) that enablesdevice 300 to communicate with other devices, such as via a wiredconnection, a wireless connection, or a combination of wired andwireless connections. Communication interface 370 may permit device 300to receive information from another device and/or provide information toanother device. For example, communication interface 370 may include anEthernet interface, an optical interface, a coaxial interface, aninfrared interface, a radio frequency (RF) interface, a universal serialbus (USB) interface, a Wi-Fi interface, a cellular network interface, orthe like.

Device 300 may perform one or more processes described herein. Device300 may perform these processes based on processor 320 executingsoftware instructions stored by a non-transitory computer-readablemedium, such as memory 330 and/or storage component 340. Acomputer-readable medium is defined herein as a non-transitory memorydevice. A memory device includes memory space within a single physicalstorage device or memory space spread across multiple physical storagedevices. In some implementations, device 300 may include a secureelement (e.g., a secure microcontroller), which may include a memory 330(e.g., RAM, ROM, and/or the like) and a storage component 340 (e.g.,flash memory, EEPROM, and/or the like). Additionally, or alternatively,the secure element may include one or more processors 320.

Software instructions may be read into memory 330 and/or storagecomponent 340 from another computer-readable medium or from anotherdevice via communication interface 370. When executed, softwareinstructions stored in memory 330 and/or storage component 340 may causeprocessor 320 to perform one or more processes described herein.Additionally, or alternatively, hardwired circuitry may be used in placeof or in combination with software instructions to perform one or moreprocesses described herein. Thus, implementations described herein arenot limited to any specific combination of hardware circuitry andsoftware.

The number and arrangement of components shown in FIG. 3 are provided asan example. In practice, device 300 may include additional components,fewer components, different components, or differently arrangedcomponents than those shown in FIG. 3. Additionally, or alternatively, aset of components (e.g., one or more components) of device 300 mayperform one or more functions described as being performed by anotherset of components of device 300.

FIG. 4 is a flow chart of an example process 400 relating to tokenizinga primary account number prior to transmission to a terminal. In someimplementations, one or more process blocks of FIG. 4 may be performedby a transaction card (e.g., transaction card 210).

As shown in FIG. 4, process 400 may include receiving a merchant codefrom a transaction terminal based on initiation of a transaction withthe transaction terminal (block 410). For example, the transaction card(e.g., using processor 320, input component 350, communication interface370, and/or the like) may receive a merchant code from a transactionterminal based on initiation of a transaction with the transactionterminal, as described above in connection with FIG. 1.

As further shown in FIG. 4, process 400 may include generating atokenized primary account number, for use with the transaction, based onthe merchant code and an actual primary account number of thetransaction card (block 420). For example, the transaction card (e.g.,using processor 320, memory 330, and/or the like) may generate atokenized primary account number, for use with the transaction, based onthe merchant code and an actual primary account number of thetransaction card, as described above in connection with FIG. 1.

As further shown in FIG. 4, process 400 may include transmitting thetokenized primary account number and one or more payment credentials tothe transaction terminal for performing the transaction (block 430). Forexample, the transaction card (e.g., using processor 320, outputcomponent 360, communication interface 370, and/or the like) maytransmit the tokenized primary account number and one or more paymentcredentials to the transaction terminal for performing the transaction,as described above in connection with FIG. 1.

Process 400 may include additional implementations, such as any singleimplementation or any combination of implementations described belowand/or in connection with one or more other processes describedelsewhere herein.

In some implementations, the tokenized primary account number isgenerated based on at least one payment credential of the one or morepayment credentials. In some implementations, the at least one paymentcredential includes at least one of an expiration date associated withthe transaction card, a card security code associated with thetransaction card, a cardholder name associated with the transactioncard, a billing postal code associated with the transaction card, one ormore fields of a billing address associated with the transaction card,or a personal identification number associated with the transactioncard.

In some implementations, the tokenized primary account number isgenerated based on transaction data associated with the transaction. Insome implementations, the transaction data includes at least one of atransaction amount, a transaction date, a transaction time, or atransaction location. In some implementations, the tokenized primaryaccount number is a multi-use tokenized primary account number generatedusing information that does not change across transactions. In someimplementations, the tokenized primary account number is a single-usetokenized primary account number generated using information thatchanges across transactions. In some implementations, the tokenizedprimary account number is generated to tokenize a portion of the actualprimary account number.

Although FIG. 4 shows example blocks of process 400, in someimplementations, process 400 may include additional blocks, fewerblocks, different blocks, or differently arranged blocks than thosedepicted in FIG. 4. Additionally, or alternatively, two or more of theblocks of process 400 may be performed in parallel.

FIG. 5 is a flow chart of an example process 500 relating to tokenizinga primary account number prior to transmission to a terminal. In someimplementations, one or more process blocks of FIG. 5 may be performedby a transaction card (e.g., transaction card 210).

As shown in FIG. 5, process 500 may include receiving transaction datafrom a transaction terminal based on initiation of a transaction withthe transaction terminal (block 510). For example, the transaction card(e.g., using processor 320, input component 350, communication interface370, and/or the like) may receive transaction data from a transactionterminal based on initiation of a transaction with the transactionterminal, as described above in connection with FIG. 1.

As further shown in FIG. 5, process 500 may include generating atokenized primary account number, for use with the transaction, based onthe transaction data and an actual primary account number of thetransaction card (block 520). For example, the transaction card (e.g.,using processor 320, memory 330, and/or the like) may generate atokenized primary account number, for use with the transaction, based onthe transaction data and an actual primary account number of thetransaction card, as described above in connection with FIG. 1.

As further shown in FIG. 5, process 500 may include transmitting thetokenized primary account number to the transaction terminal forprocessing the transaction (block 530). For example, the transactioncard (e.g., using processor 320, output component 360, communicationinterface 370, and/or the like) may transmit the tokenized primaryaccount number to the transaction terminal for processing thetransaction, as described above in connection with FIG. 1.

Process 500 may include additional implementations, such as any singleimplementation or any combination of implementations described belowand/or in connection with one or more other processes describedelsewhere herein.

In some implementations, the transaction data includes at least one of amerchant code, a transaction amount, a transaction date, a transactiontime, or a transaction location. In some implementations, the tokenizedprimary account number is generated based on a payment credentialtransmitted to the transaction terminal for processing the transaction.In some implementations, the payment credential includes at least one ofan expiration date associated with the transaction card, a card securitycode associated with the transaction card, a cardholder name associatedwith the transaction card, a billing postal code associated with thetransaction card, one or more fields of a billing address associatedwith the transaction card, or a personal identification numberassociated with the transaction card. In some implementations, thetokenized primary account number is one of: a multi-use tokenizedprimary account number generated using a portion of the transaction datathat does not change across transactions, or a single-use tokenizedprimary account number generated using a portion of the transaction datathat changes across transactions.

Although FIG. 5 shows example blocks of process 500, in someimplementations, process 500 may include additional blocks, fewerblocks, different blocks, or differently arranged blocks than thosedepicted in FIG. 5. Additionally, or alternatively, two or more of theblocks of process 500 may be performed in parallel.

FIG. 6 is a flow chart of an example process 600 relating to tokenizinga primary account number prior to transmission to a terminal. In someimplementations, one or more process blocks of FIG. 6 may be performedby a transaction processing system (e.g., transaction processing system240).

As shown in FIG. 6, process 600 may include receiving, from atransaction terminal, a tokenized primary account number generated by atransaction card, one or more payment credentials associated with thetransaction card, a merchant code, and transaction data associated witha transaction (block 610). For example, the transaction processingsystem (e.g., processor 320, input component 350, communicationinterface 370, and/or the like) may receive, from a transactionterminal, a tokenized primary account number generated by a transactioncard, one or more payment credentials associated with the transactioncard, a merchant code, and transaction data associated with atransaction, as described above in connection with FIG. 1.

As further shown in FIG. 6, process 600 may include determining anactual primary account number of the transaction card based on thetokenized primary account number and the merchant code (block 620). Forexample, the transaction processing system (e.g., processor 320 and/orthe like) may determine an actual primary account number of thetransaction card based on the tokenized primary account number and themerchant code, as described above in connection with FIG. 1.

As further shown in FIG. 6, process 600 may include determining whetherthe transaction is authorized based on the actual primary account numberand the one or more payment credentials (block 630). For example, thetransaction processing system (e.g., processor 320, memory 330, storagecomponent 340, input component 350, output component 360, communicationinterface 370, and/or the like) may determine whether the transaction isauthorized based on the actual primary account number and the one ormore payment credentials, as described above in connection with FIG. 1.

As further shown in FIG. 6, process 600 may include transmitting, to thetransaction terminal, a result of determining whether the transaction isauthorized (block 640). For example, the transaction processing system(e.g., processor 320, output component 360, communication interface 370,and/or the like) may transmit, to the transaction terminal, a result ofdetermining whether the transaction is authorized, as described above inconnection with FIG. 1.

Process 600 may include additional implementations, such as any singleimplementation or any combination of implementations described belowand/or in connection with one or more other processes describedelsewhere herein.

In some implementations, the actual primary account number is determinedbased on at least one of information included in the transaction data ora payment credential of the one or more payment credentials. In someimplementations, the transaction processing system, when determiningwhether the transaction is authorized, is configured to compare thetokenized primary account number to a list of tokenized primary accountnumbers stored in the one or more memories. In some implementations, thetransaction processing system, when determining whether the transactionis authorized, is configured to decline the transaction when thetokenized primary account number has been previously used within athreshold time period. In some implementations, the transactionprocessing system is configured to transmit a notification that thetokenized primary account number has been previously used within thethreshold time period.

In some implementations, the transaction processing system, whendetermining whether the transaction is authorized, is configured todecline the transaction when the tokenized primary account number hasbeen previously used in connection with a different merchant code. Insome implementations, the transaction processing system is furtherconfigured to transmit a notification that the tokenized primary accountnumber has been previously used in connection with a different merchantcode.

Although FIG. 6 shows example blocks of process 600, in someimplementations, process 600 may include additional blocks, fewerblocks, different blocks, or differently arranged blocks than thosedepicted in FIG. 6. Additionally, or alternatively, two or more of theblocks of process 600 may be performed in parallel.

The foregoing disclosure provides illustration and description, but isnot intended to be exhaustive or to limit the implementations to theprecise form disclosed. Modifications and variations are possible inlight of the above disclosure or may be acquired from practice of theimplementations.

As used herein, the term component is intended to be broadly construedas hardware, firmware, or a combination of hardware and software.

Some implementations are described herein in connection with thresholds.As used herein, satisfying a threshold may refer to a value beinggreater than the threshold, more than the threshold, higher than thethreshold, greater than or equal to the threshold, less than thethreshold, fewer than the threshold, lower than the threshold, less thanor equal to the threshold, equal to the threshold, or the like.

It will be apparent that systems and/or methods, described herein, maybe implemented in different forms of hardware, firmware, or acombination of hardware and software. The actual specialized controlhardware or software code used to implement these systems and/or methodsis not limiting of the implementations. Thus, the operation and behaviorof the systems and/or methods were described herein without reference tospecific software code—it being understood that software and hardwarecan be designed to implement the systems and/or methods based on thedescription herein.

Even though particular combinations of features are recited in theclaims and/or disclosed in the specification, these combinations are notintended to limit the disclosure of possible implementations. In fact,many of these features may be combined in ways not specifically recitedin the claims and/or disclosed in the specification. Although eachdependent claim listed below may directly depend on only one claim, thedisclosure of possible implementations includes each dependent claim incombination with every other claim in the claim set.

No element, act, or instruction used herein should be construed ascritical or essential unless explicitly described as such. Also, as usedherein, the articles “a” and “an” are intended to include one or moreitems, and may be used interchangeably with “one or more.” Furthermore,as used herein, the term “set” is intended to include one or more items(e.g., related items, unrelated items, a combination of related andunrelated items, etc.), and may be used interchangeably with “one ormore.” Where only one item is intended, the term “one” or similarlanguage is used. Also, as used herein, the terms “has,” “have,”“having,” or the like are intended to be open-ended terms. Further, thephrase “based on” is intended to mean “based, at least in part, on”unless explicitly stated otherwise.

What is claimed is:
 1. A method, comprising: receiving, by a transactioncard and from a transaction terminal, at least two parameters associatedwith a transaction based on initiation of the transaction with thetransaction terminal; generating, by the transaction card, a tokenizedprimary account number, for use with the transaction, based on the atleast two parameters received from the transaction terminal and based onan actual primary account number stored in memory of the transactioncard; and transmitting, by the transaction card, the tokenized primaryaccount number to the transaction terminal for performing thetransaction.
 2. The method of claim 1, wherein the transaction terminalis a mobile phone or a tablet computer.
 3. The method of claim 1,wherein the tokenized primary account number is transmitted to thetransaction terminal using near-field communication.
 4. The method ofclaim 1, wherein the at least two parameters include at least one of: amerchant code associated with the transaction, a transaction amountassociated with the transaction, a transaction date associated with thetransaction, a transaction time associated with the transaction, or atransaction location associated with the transaction.
 5. The method ofclaim 1, wherein the tokenized primary account number is generatedfurther based on one or more payment credentials associated with thetransaction card.
 6. The method of claim 1, wherein the tokenizedprimary account number is a multi-use tokenized primary account numbergenerated using information that does not change across transactions. 7.The method of claim 1, wherein the tokenized primary account number is asingle-use tokenized primary account number generated using informationthat changes across transactions.
 8. A transaction card, comprising: oneor more memories; and one or more processors, coupled to the one or morememories, configured to: receive, from a transaction terminal, at leasttwo parameters associated with a transaction based on initiation of thetransaction with the transaction terminal; generate a tokenized primaryaccount number, for use with the transaction, based on the at least twoparameters received from the transaction terminal and based on an actualprimary account number stored in the one or more memories; and transmitthe tokenized primary account number to the transaction terminal forperforming the transaction.
 9. The transaction card of claim 8, whereinthe transaction terminal is a mobile phone or a tablet computer.
 10. Thetransaction card of claim 8, wherein the tokenized primary accountnumber is transmitted to the transaction terminal using near-fieldcommunication.
 11. The transaction card of claim 8, wherein the at leasttwo parameters include at least one of: a merchant code associated withthe transaction, a transaction amount associated with the transaction, atransaction date associated with the transaction, a transaction timeassociated with the transaction, or a transaction location associatedwith the transaction.
 12. The transaction card of claim 8, wherein theone or more processors, to generate the tokenized primary accountnumber, are further configured to generate the tokenized primary accountnumber based on one or more payment credentials associated with thetransaction card.
 13. The transaction card of claim 8, wherein thetokenized primary account number is a multi-use tokenized primaryaccount number generated using information that does not change acrosstransactions.
 14. The transaction card of claim 8, wherein the tokenizedprimary account number is a single-use tokenized primary account numbergenerated using information that changes across transactions.
 15. Anon-transitory computer-readable medium storing a set of instructions,the set of instructions comprising: one or more instructions that, whenexecuted by one or more processors of a transaction card, cause thetransaction card to: receive, from a transaction terminal, at least twoparameters associated with a transaction based on initiation of thetransaction with the transaction terminal; generate a tokenized primaryaccount number, for use with the transaction, based on the at least twoparameters received from the transaction terminal and based on an actualprimary account number stored in memory of the transaction card; andtransmit the tokenized primary account number to the transactionterminal for performing the transaction.
 16. The non-transitorycomputer-readable medium of claim 15, wherein the transaction terminalis a mobile phone or a tablet computer.
 17. The non-transitorycomputer-readable medium of claim 15, wherein the tokenized primaryaccount number is transmitted to the transaction terminal usingnear-field communication.
 18. The non-transitory computer-readablemedium of claim 15, wherein the at least two parameters include at leastone of: a merchant code associated with the transaction, a transactionamount associated with the transaction, a transaction date associatedwith the transaction, a transaction time associated with thetransaction, or a transaction location associated with the transaction.19. The non-transitory computer-readable medium of claim 15, wherein theone or more instructions, that cause the transaction card to generatethe tokenized primary account number, cause the transaction card togenerate the tokenized primary account number based on one or morepayment credentials associated with the transaction card.
 20. Thenon-transitory computer-readable medium of claim 15, wherein thetokenized primary account number is one of: a multi-use tokenizedprimary account number generated using information that does not changeacross transactions, or a single-use tokenized primary account numbergenerated using information that changes across transactions.